We break down the best high yield savings accounts for 2025 so that you can earn the highest interest on your money easily. The post Best High-Yield Savings Accounts In October 2025 appeared first on The College Investor.
The best high yield saving accounts are currently earning an annual percentage yield (APY) of 4% or more. Our list of high-yield savings accounts earn much more interest than the national average of 0.40%.
If you're looking to get a better interest rate on your savings, you need to find the best high yield savings account out there. High yield savings accounts are popular because they typically pay more than a traditional account.
You usually find the best high yield savings accounts at online banks, since their overhead is lower. They then pass that savings on to you in the form of higher interest on your money!
We break down our favorite high yield savings accounts, as well as provide a list of the best savings accounts everyday in our table that updates daily. Given that interest rates change daily, make sure you check the table to get the best rates.
Plus, several of the banks on our list have awesome bonus offers. When you combine the bonus with an already high annual percentage rate (APY), you win!
Why Should You Trust Us?
The College Investor has been actively tracking the best savings account rates since 2018, with a daily updated list that monitors roughly 50 banks and credit unions that have a history of great rates. But we also are always scouting out other banks that may compete on this list.
Unlike other well-known companies who create "best savings account rate lists", we strive to put out rates in order highest to lowest so that you can know you're actually getting the best rate. And if you don't make the cut, too bad. You can find the full list of our bank review here.
Our Picks Of The Best High Yield Savings Accounts
Here's a quick breakdown of the best savings accounts for your money right now. We sort our list by the highest interest rate first - no gimmicks!
Note: Annual percentage yields (APYs) shown are as of October 12, 2025. The College Investor's team updates this information regularly, typically Monday-Friday. Rates may have changed since they were last updated and may vary by region for some products.
Bank Name | APY | Get Started |
|---|---|---|
 | 4.60% | At Intercredit Bank, N.A., Member FDIC |
 | Up To | At Axos Bank, Member FDIC |
 | Up To | At AlumniFi Credit Union, NCUA |
 | 4.20% | At Santander Bank, N.A, Member FDIC |
 | At Western Alliance Bank, Member FDIC | |
 | At FVCbank, Member FDIC | |
 | Up To $200 Bonus Offer | At Barclays Bank, Member FDIC |
 | At Regent Bank, Member FDIC | |
 | 4.05% | At Everbank, N.A., Member FDIC |
 | At Live Oak Bank, Member FDIC |
Bank Name | APY |
|---|---|
At Intercredit Bank, N.A., Member FDIC | 4.60% |
At Axos Bank, Member FDIC | Up To |
At AlumniFi Credit Union, NCUA | Up To |
At Santander Bank, N.A, Member FDIC | 4.20% |
At Western Alliance Bank, Member FDIC | |
At FVCbank, Member FDIC | |
At Barclays Bank, Member FDIC | Up To $200 Bonus Offer |
At Regent Bank, Member FDIC | |
At Everbank, N.A., Member FDIC | 4.05% |
At Live Oak Bank, Member FDIC |
The Full List Of Top Savings Account Options
We evaluate savings accounts based on their annual percentage rate (the interest you receive), the minimum balance requirements, locations available, and the terms and conditions of having the account. We may receive compensation from some or all of the companies listed below. Here are our recommendations of the best high yield savings accounts.
1. Pibank - 4.60% APY
Pibank is the online brand of Intercredit Bank, N.A. that's based out of Miami. It established itself online in Spain and South America, and now is moving to the United States.
It stands out with it's whopping 4.60% APY with no monthly maintenance fees and no minimum balance requirements.
The only con is the limited ways to transfer money in and out of the bank.
Read our full Pibank review.
2. AXOS ONE - 4.51% APY
The AXOS ONE® bundle consists of two components: a high-yield savings account (ONE Savings) and a checking account (ONE Checking).
First, there are no monthly maintenance, minimum balance, account opening, or overdraft fees for the bundle.
Second, the bundle earns high APY (annual percentage yield): earn up to 4.51% APY on savings, and 0.51% APY on checking when you meet the requirements.
To earn the “boosted” APY rate, you must receive qualifying monthly direct deposits totaling at least $1,500 and maintain an average daily balance of $1,500 in your Axos ONE® Checking account.
If you don’t meet the requirements for the boosted rate, you’ll drop down to a 1.00% APY in your savings account and 0% in your checking account.
Read our full Axos Bank review here.
3. AlumniFi Credit Union - Up To 4.50% APY
AlumniFi Credit Union is an online banking brand of Michigan State University Federal Credit Union, a National Credit Union Administration (NCUA) member. This means that deposits made into AlumniFi Credit Union's digital checking and savings accounts are eligible for up to $250,000 of NCUA deposit insurance. Its accounts and financial tools are geared specifically to college and university grads.
To open an account, you must either:
1. AlumniFi Membership is available if you live, work, worship or attend school in the State of Michigan.
2. Join the Desk Drawer Foundation, a 501(c) organization that supports community non-profits.
The AlumniFi Savings account is a high-yield savings account with no monthly maintenance fees. Current APYs are as follows:
Tier | APY | Balance |
|---|---|---|
1 | 4.00% | None |
2 | 4.25% | $25,000 |
3 | 4.50% | $100,000 |
